ANNISTON - OXFORD Mortgage Rates & Closing Costs

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    • 30yr Fixed Rate 15yr Fixed Rate FHA USDA VA 5/1 ARM

    30 Year Fixed Rate mortgages in Anniston - Oxford averaged 6.9% for the week of 2023-03-16, compared to the national average of 6.6% for the same period.

    The average rate for the prior week (2023-03-09) was 7.03% and one month ago for the week of 2023-02-09, the average rate was 6.42%.

    Anniston - Oxford's average rate one year ago was 3.77%.

    For refis of the same type during the week of 2023-03-16, the average rate was 7.06%.

    Loan Type Date Rate
    US 30 Year Fixed Rate 2023-03-16 6.6%
    Anniston - Oxford 30 Year Fixed Rate 2023-03-16 6.9%
    Anniston - Oxford 30 Year Fixed Rate Refi 2023-03-16 7.06%
    Anniston - Oxford 15 Year Fixed Rate 2023-03-16 6.64%
    Anniston - Oxford 15 Year Fixed Rate Refi 2023-03-16 6.49%
    Anniston - Oxford 30 Year FHA 2023-03-16 6.61%
    Anniston - Oxford 30 Year FHA Refi 2023-03-16 5.96%
    Anniston - Oxford 30 Year USDA 2023-03-16 6.47%
    Anniston - Oxford 30 Year USDA Refi 2023-03-16 6.39%
    Anniston - Oxford 30 Year VA 2023-03-16 6.21%
    Anniston - Oxford 30 Year VA Refi 2023-03-16 5.68%
    Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations within ANNISTON-OXFORD, AL.

    ANNISTON - OXFORD Top Lenders by Rates & Fees

    The below table looks at the consensus average rates and fees provided by each lender, for only loans originated in the ANNISTON-OXFORD, AL market. This includes FHA, Conventional, USDA and VA loans, as well as refis. All terms in the below chart are 30 year fixed rate. Unless noted otherwise, other data is all inclusive (FHA, ARM, 15-yr, etc.).

    Name # of Loans 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION 73 5.17% $3,958
    QUICKEN LOANS, LLC 63 4.89% $5,424
    Ameris Bank 58 5.05% $4,573
    AOD Federal Credit Union 47 4.20% $3,505
    UNITED WHOLESALE MORTGAGE, LLC 40 4.98% $4,386
    SouthPoint Bank 39 5.07% $3,845
    Regions Bank 30 5.24% $3,615
    SUCCESS MORTGAGE PARTNERS, INC. 21 5.02% $4,947
    Truist 19 4.32% $3,502
    HUNT MORTGAGE CORPORATION 17 5.17% $4,274
    ALABAMA TEACHERS 15 4.52% $2,205
    VANDERBILT MORTGAGE AND FINANCE, INC. 14 5.94% $3,846
    Wells Fargo Bank 13 5.18% $3,625
    LOANDEPOT.COM, LLC 13 4.18% $6,236
    Mr. Cooper ( Nationstar Mortgage ) 9 4.83% $5,544
    PENNYMAC LOAN SERVICES, LLC 9 4.82% $6,373
    AMERICA'S FIRST 8 3.51% $4,323
    AlaTrust Credit Union 8 4.28% $5,010
    AMERISAVE MORTGAGE CORPORATION 8 4.76% $6,230
    First Federal Bank, A FSB 7 5.11% $4,536
    Trustmark National Bank 6 5.83% $4,202
    INTERLINC MORTGAGE SERVICES, LLC 5 4.67% $3,279
    GUILD MORTGAGE COMPANY 5 5.52% $6,014
    U.S. Bank 5 4.55% $3,509
    BancorpSouth Bank 5 4.90% $3,968
    Renasant Bank 5 5.32% $3,781
    CRESCENT MORTGAGE COMPANY 5 5.28% $2,965
    NAVY FEDERAL CREDIT UNION 5 5.10% $2,782
    BROKER SOLUTIONS, INC. 4 5.55% $5,618
    NEWREZ LLC 4 5.13% $5,060
    Flagstar Bank, FSB 4 4.09% $3,076
    Assurance Financial Group, L.L.C. 4 5.91% $3,932
    HOMESTAR FINANCIAL CORPORATION 4 3.91% $3,651
    MORTGAGE INVESTORS GROUP, INC. 4 5.63% $5,490
    PNC Bank 3 4.38% $2,914
    HONDA Federal Credit Union 3 5.21% $2,854
    FIRST COMMUNITY MORTGAGE, INC. 3 4.42% $4,646
    MOVEMENT MORTGAGE, LLC 3 5.46% $3,285
    FREEDOM MORTGAGE CORPORATION 3 5.08% $4,054
    PRIMELENDING, A PLAINSCAPITAL COMPANY 2 4.81% $6,517
    ANGEL OAK MORTGAGE SOLUTIONS LLC 2 6.94% $7,391
    CHURCHILL MORTGAGE CORPORATION 2 5.94% $3,400
    Citibank 2 4.81% $4,876
    Consumer First Mortgage, Inc. 2 3.81% $4,055
    DAS Acquisition Company, LLC 2 4.19% $3,760
    Goldwater Bank, N.A. 2 5.44% $5,963
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 2 5.13% $4,578
    HOMEOWNERS FINANCIAL GROUP USA, LLC 2 6.19% $6,277
    HOMESIDE FINANCIAL, LLC 2 5.75% $3,469
    Hometown Lenders, Inc. 2 5.06% $5,503
    JPMorgan Chase Bank 2 5.25% $1,393
    LAKEVIEW LOAN SERVICING, LLC 2 4.44% $1,941
    PENTAGON FEDERAL CREDIT UNION 2 6.13% $2,663
    Princeton Mortgage Corporation 2 6.56% $6,105
    RELIANCE FIRST CAPITAL, LLC 2 4.69% $6,214
    ROYAL UNITED MORTGAGE LLC 2 5.50% $8,449
    SUN WEST MORTGAGE COMPANY, INC. 2 3.38% $2,083
    ZILLOW HOME LOANS, LLC 2 3.50% $4,624
    LEADERONE FINANCIAL CORPORATION 1 6.25% $4,671
    Liberty Mortgage Corporation 1 4.99% $1,685
    FirstBank 1 3.75% $2,676
    Metro City Bank 1 3.75% $4,454
    MLD MORTGAGE INC. 1 4.63% $8,877
    MORTGAGE ACCESS CORP. 1 5.75% $3,547
    Fifth Third Bank 1 5.63% $4,201
    Mortgage Research Center, LLC 1 4.38% $533
    EVERETT FINANCIAL, INC. 1 6.88% $2,323
    EASTMAN 1 7.25% $2,856
    MUTUAL OF OMAHA MORTGAGE, INC. 1 3.50% $4,664
    Discover Bank 1 4.49% $0
    DEEPHAVEN MORTGAGE LLC 1 9.75% $12,162
    NFM, INC. 1 4.63% $3,641
    CROSSCOUNTRY MORTGAGE, LLC 1 5.70% $6,744
    ARK-LA-TEX FINANCIAL SERVICES, LLC. 1 5.50% $4,480
    Petefish, Skiles & Co. 1 6.63% $2,695
    Community Bank of Mississippi 1 3.74% $4,064
    PRIMARY RESIDENTIAL MORTGAGE, INC. 1 4.88% $3,214
    CMG MORTGAGE, INC. 1 3.50% $3,959
    USAA Federal Savings Bank 1 4.25% $12,433
    Prosperity Home Mortgage, LLC 1 6.75% $4,199
    CIS Financial Services, Inc. 1 6.75% $3,754
    REDSTONE Federal Credit Union 1 5.50% $2,385
    CHERRY CREEK MORTGAGE, LLC 1 7.50% $785
    ANDREWS FEDERAL CREDIT UNION 1 3.38% $2,431
    CERTAINTY HOME LOANS, LLC 1 5.13% $8,555
    AMERICAN FINANCING CORPORATION 1 4.99% $3,005
    CALIBER HOME LOANS, INC. 1 5.63% $5,091
    South State Bank 1 5.00% $2,655
    SOVEREIGN LENDING GROUP INCORPORATED 1 4.75% $17,435
    CALCON MUTUAL MORTGAGE LLC 1 3.50% $5,184
    Sunflower Bank 1 6.50% $5,499
    ALLIANT CREDIT UNION 1 2.88% $2,656
    Synovus Bank 1 5.50% $3,002
    HOMEBRIDGE FINANCIAL SERVICES, INC. 1 4.25% $3,358
    TJC Mortgage, Inc. 1 6.63% $4,891
    HOME POINT FINANCIAL CORPORATION 1 3.75% $10,812
    BETTER MORTGAGE CORPORATION 1 3.38% $3,628
    GUARANTEED RATE, INC. 1 4.23% $8,193
    BAY EQUITY LLC 1 3.63% $4,020
    Grow Financial Federal Credit Union 1 5.25% $2,680
    GMFS LLC 1 3.50% $11,125
    First Guaranty Mortgage Corporation 1 2.88% $5,652
    United Community Bank 1 6.50% $3,698
    UNITED PREMIER FUNDING, LLC 1 4.13% $3,543

    ANNISTON - OXFORD Average Closing Costs & Other Stats

    ANNISTON-OXFORD, AL's 104 lenders originated 2,376 loans during 2022. The total origination value was $385,840,000, with an average loan value of $162,391.

    ANNISTON - OXFORD's average closing costs are $4,479.

    The top ANNISTON - OXFORD lender as defined by loan originations is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 73 loans originated. Their average total fees are $3,958, which is $1,466 lower than the next largest lender, QUICKEN LOANS, LLC.

    The lowest fee ANNISTON - OXFORD lenders (with over 10 loans originated) are ALABAMA TEACHERS ($2,205), Truist ($3,502), AOD Federal Credit Union ($3,505), Regions Bank ($3,615) and Wells Fargo Bank ($3,625).

    The lowest rate ANNISTON - OXFORD lenders (with over 10 loans originated) are LOANDEPOT.COM, LLC (4.18%), AOD Federal Credit Union (4.20%), Truist (4.32%), ALABAMA TEACHERS (4.52%) and QUICKEN LOANS, LLC (4.89%).

    ANNISTON-OXFORD, AL Mortgage Market Share & Volume

    Loan origination value is a good proxy for a lender's prominence within the market. The general assumption is that larger lenders will have more resources, but may spend more (and therefore charge more) on marketing and overhead expenses.

    Name 2021 Loan Value 2022 Loan Value % Change 2022 Market Share
    FAIRWAY INDEPENDENT MORTGAGE CORPORATION $61,290,000 $39,415,000 -35.7% 10.2%
    QUICKEN LOANS, LLC $48,705,000 $28,865,000 -40.7% 7.5%
    Ameris Bank $35,530,000 $22,470,000 -36.8% 5.8%
    SouthPoint Bank $16,835,000 $15,245,000 -9.4% 4.0%
    UNITED WHOLESALE MORTGAGE, LLC $19,330,000 $14,975,000 -22.5% 3.9%
    Regions Bank $18,170,000 $11,700,000 -35.6% 3.0%
    SUCCESS MORTGAGE PARTNERS, INC. $14,900,000 $11,405,000 -23.5% 3.0%
    VANDERBILT MORTGAGE AND FINANCE, INC. $16,920,000 $11,130,000 -34.2% 2.9%
    Fort McClellan Credit Union $3,585,000 $10,630,000 196.5% 2.8%
    ALABAMA TEACHERS $3,860,000 $10,360,000 168.4% 2.7%
    AOD Federal Credit Union $11,835,000 $9,540,000 -19.4% 2.5%
    Mortgage Research Center, LLC $6,820,000 $8,270,000 21.3% 2.1%
    Truist $9,495,000 $8,170,000 -14.0% 2.1%
    HUNT MORTGAGE CORPORATION $6,275,000 $7,945,000 26.6% 2.1%
    LOANDEPOT.COM, LLC $11,360,000 $7,235,000 -36.3% 1.9%
    GUILD MORTGAGE COMPANY $7,250,000 $7,040,000 -2.9% 1.8%
    WALKER & DUNLOP, LLC $6,855,000 n/a 1.8%
    GREYSTONE FUNDING COMPANY LLC $5,485,000 n/a 1.4%
    NobleBank & Trust $6,380,000 $5,075,000 -20.5% 1.3%
    PENNYMAC LOAN SERVICES, LLC $9,640,000 $4,645,000 -51.8% 1.2%
    Investar Bank $9,060,000 $4,490,000 -50.4% 1.2%
    BancorpSouth Bank $530,000 $4,475,000 744.3% 1.2%
    Mr. Cooper ( Nationstar Mortgage ) $6,700,000 $4,330,000 -35.4% 1.1%
    Metro Bank $1,445,000 $4,170,000 188.6% 1.1%
    First Bank of Alabama $7,655,000 $3,940,000 -48.5% 1.0%
    AMERICA'S FIRST $2,845,000 $3,925,000 38.0% 1.0%
    AlaTrust Credit Union $1,600,000 $3,625,000 126.6% 0.9%
    SOUTHWEST FUNDING, LP $6,665,000 $3,525,000 -47.1% 0.9%
    FREEDOM MORTGAGE CORPORATION $17,615,000 $3,475,000 -80.3% 0.9%
    AMERISAVE MORTGAGE CORPORATION $5,030,000 $3,155,000 -37.3% 0.8%
    Wells Fargo Bank $6,525,000 $2,700,000 -58.6% 0.7%
    NEW DAY FINANCIAL, LLC $4,170,000 $2,565,000 -38.5% 0.7%
    NAVY FEDERAL CREDIT UNION $2,905,000 $2,445,000 -15.8% 0.6%
    HOME POINT FINANCIAL CORPORATION $7,285,000 $2,330,000 -68.0% 0.6%
    Renasant Bank $18,375,000 $2,255,000 -87.7% 0.6%
    Southern States Bank $500,000 $2,230,000 346.0% 0.6%
    FirstBank $1,465,000 $1,890,000 29.0% 0.5%
    First Federal Bank, A FSB $2,505,000 $1,885,000 -24.8% 0.5%
    FIRST COMMUNITY MORTGAGE, INC. $2,160,000 $1,855,000 -14.1% 0.5%
    PNC Bank $1,070,000 $1,855,000 73.4% 0.5%
    JONES LANG LASALLE MULTIFAMILY, LLC $1,825,000 n/a 0.5%
    Hometown Lenders, Inc. $1,785,000 $1,780,000 -0.3% 0.5%
    NEWREZ LLC $4,365,000 $1,740,000 -60.1% 0.5%
    Trustmark National Bank $530,000 $1,620,000 205.7% 0.4%
    BAYSHORE MORTGAGE FUNDING, LLC $4,110,000 $1,610,000 -60.8% 0.4%
    MORTGAGE INVESTORS GROUP, INC. $6,025,000 $1,590,000 -73.6% 0.4%
    LAKEVIEW LOAN SERVICING, LLC $5,820,000 $1,555,000 -73.3% 0.4%
    HOMESTAR FINANCIAL CORPORATION $2,075,000 $1,530,000 -26.3% 0.4%
    U.S. Bank $1,250,000 $1,505,000 20.4% 0.4%
    BROKER SOLUTIONS, INC. $1,795,000 $1,485,000 -17.3% 0.4%
    TRIAD FINANCIAL SERVICES, INC. $740,000 $1,455,000 96.6% 0.4%
    MOVEMENT MORTGAGE, LLC $1,015,000 $1,445,000 42.4% 0.4%
    HOMEOWNERS FINANCIAL GROUP USA, LLC $160,000 $1,380,000 762.5% 0.4%
    GMFS LLC $1,540,000 $1,370,000 -11.0% 0.4%
    Carrington Mortgage Services, LLC $2,140,000 $1,350,000 -36.9% 0.3%
    Assurance Financial Group, L.L.C. $200,000 $1,345,000 572.5% 0.3%
    Flagstar Bank, FSB $1,255,000 $1,245,000 -0.8% 0.3%
    CRESCENT MORTGAGE COMPANY $1,705,000 $1,135,000 -33.4% 0.3%
    USAA Federal Savings Bank $2,320,000 $1,065,000 -54.1% 0.3%
    Magnolia Bank $85,000 $1,045,000 1,129.4% 0.3%
    VILLAGE CAPITAL MORTGAGE $4,590,000 $1,040,000 -77.3% 0.3%
    Consumer First Mortgage, Inc. $4,745,000 $1,000,000 -78.9% 0.3%
    CMG MORTGAGE, INC. $1,300,000 $995,000 -23.5% 0.3%
    CROSSCOUNTRY MORTGAGE, LLC $690,000 $990,000 43.5% 0.3%
    HONDA Federal Credit Union $2,905,000 $990,000 -65.9% 0.3%
    CALIBER HOME LOANS, INC. $1,000,000 $960,000 -4.0% 0.2%
    FBC MORTGAGE, LLC $1,145,000 $925,000 -19.2% 0.2%
    CHURCHILL MORTGAGE CORPORATION $640,000 $885,000 38.3% 0.2%
    21ST MORTGAGE CORPORATION $1,310,000 $870,000 -33.6% 0.2%
    PRIMELENDING, A PLAINSCAPITAL COMPANY $335,000 $870,000 159.7% 0.2%
    CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP $1,420,000 $830,000 -41.5% 0.2%
    SOVEREIGN LENDING GROUP INCORPORATED $545,000 $770,000 41.3% 0.2%
    EVERETT FINANCIAL, INC. $200,000 $740,000 270.0% 0.2%
    ISERVE RESIDENTIAL LENDING, LLC $1,005,000 $730,000 -27.4% 0.2%
    EVANSVILLE TEACHERS $1,045,000 $720,000 -31.1% 0.2%
    ALABAMA CREDIT UNION $715,000 n/a 0.2%
    GUARANTEED RATE, INC. $640,000 $700,000 9.4% 0.2%
    INTERLINC MORTGAGE SERVICES, LLC $415,000 $700,000 68.7% 0.2%
    ROYAL UNITED MORTGAGE LLC $495,000 $690,000 39.4% 0.2%
    LIMA ONE CAPITAL, LLC $220,000 $685,000 211.4% 0.2%
    Prosperity Home Mortgage, LLC $455,000 $660,000 45.1% 0.2%
    SUN WEST MORTGAGE COMPANY, INC. $350,000 $640,000 82.9% 0.2%
    SOUTHEAST MORTGAGE OF GEORGIA, INC. $115,000 $595,000 417.4% 0.2%
    Armed Forces Bank $585,000 n/a 0.2%
    LEADERONE FINANCIAL CORPORATION $1,085,000 $585,000 -46.1% 0.2%
    Goldwater Bank, N.A. $1,255,000 $575,000 -54.2% 0.1%
    SOUTHWEST STAGE FUNDING, LLC $185,000 $575,000 210.8% 0.1%
    CIS Financial Services, Inc. $550,000 n/a 0.1%
    Citibank $525,000 n/a 0.1%
    Princeton Mortgage Corporation $505,000 n/a 0.1%
    CERTAINTY HOME LOANS, LLC $675,000 $490,000 -27.4% 0.1%
    ZILLOW HOME LOANS, LLC $985,000 $480,000 -51.3% 0.1%
    AMERICAN FINANCIAL RESOURCES, INC. $105,000 $475,000 352.4% 0.1%
    Nations Lending Corporation $345,000 $470,000 36.2% 0.1%
    The Hometown Bank of Alabama $470,000 n/a 0.1%
    HOMESIDE FINANCIAL, LLC $185,000 $465,000 151.4% 0.1%
    Mid-Continent Funding, Inc. $115,000 $465,000 304.3% 0.1%
    United Community Bank $465,000 n/a 0.1%
    NETWORK CAPITAL FUNDING CORPORATION $265,000 $455,000 71.7% 0.1%
    Bryant Bank $225,000 $450,000 100.0% 0.1%
    HOMEBRIDGE FINANCIAL SERVICES, INC. $610,000 $450,000 -26.2% 0.1%
    PENTAGON FEDERAL CREDIT UNION $315,000 $425,000 34.9% 0.1%
    CONTOUR MORTGAGE CORPORATION $125,000 $420,000 236.0% 0.1%
    AMERICAN FINANCING CORPORATION $665,000 $405,000 -39.1% 0.1%
    REDSTONE Federal Credit Union $550,000 $405,000 -26.4% 0.1%
    MORTGAGE ACCESS CORP. $400,000 n/a 0.1%
    Citizens Bank $2,930,000 $395,000 -86.5% 0.1%
    First Guaranty Mortgage Corporation $490,000 $395,000 -19.4% 0.1%
    Liberty Bank $725,000 $390,000 -46.2% 0.1%
    NFM, INC. $360,000 n/a 0.1%
    Bank of England $845,000 $350,000 -58.6% 0.1%
    MILEND, INC. $255,000 $350,000 37.3% 0.1%
    West Alabama Bank & Trust $345,000 n/a 0.1%
    MORTGAGE SOLUTIONS OF COLORADO, LLC $340,000 n/a 0.1%
    DOMINION FINANCIAL SERVICES, LLC $335,000 n/a 0.1%
    ANGEL OAK MORTGAGE SOLUTIONS LLC $330,000 n/a 0.1%
    Barrington Bank & Trust Company, N.A. $1,880,000 $330,000 -82.4% 0.1%
    South State Bank $330,000 n/a 0.1%
    JPMorgan Chase Bank $1,085,000 $325,000 -70.0% 0.1%
    CSL Financial, LLC $180,000 $320,000 77.8% 0.1%
    RELIANCE FIRST CAPITAL, LLC $360,000 $320,000 -11.1% 0.1%
    River Bank & Trust $895,000 $300,000 -66.5% 0.1%
    TJC Mortgage, Inc. $1,785,000 $290,000 -83.8% 0.1%
    KELLER MORTGAGE, LLC $285,000 n/a 0.1%
    Sunflower Bank $115,000 $285,000 147.8% 0.1%
    Discover Bank $390,000 $280,000 -28.2% 0.1%
    PLAZA HOME MORTGAGE, INC. $285,000 $280,000 -1.8% 0.1%
    BAY EQUITY LLC $175,000 $275,000 57.1% 0.1%
    Petefish, Skiles & Co. $275,000 n/a 0.1%
    First South Farm Credit, ACA $270,000 n/a 0.1%
    PRIMARY RESIDENTIAL MORTGAGE, INC. $590,000 $270,000 -54.2% 0.1%
    HomePromise Corporation $265,000 n/a 0.1%
    Bank of America $1,295,000 $260,000 -79.9% 0.1%
    Chicago Mortgage Solutions LLC $260,000 n/a 0.1%
    FAMILY SAVINGS $270,000 $260,000 -3.7% 0.1%
    MUTUAL OF OMAHA MORTGAGE, INC. $565,000 $260,000 -54.0% 0.1%
    HIGHLANDS RESIDENTIAL MORTGAGE, LTD. $85,000 $250,000 194.1% 0.1%
    Figure Lending LLC $245,000 n/a 0.1%
    First Horizon Bank $135,000 $245,000 81.5% 0.1%
    Northpointe Bank $290,000 $245,000 -15.5% 0.1%
    ARK-LA-TEX FINANCIAL SERVICES, LLC. $285,000 $240,000 -15.8% 0.1%
    Pinnacle Bank $235,000 n/a 0.1%
    Bank OZK $230,000 n/a 0.1%
    POLARIS HOME FUNDING CORP. $225,000 n/a 0.1%
    Grow Financial Federal Credit Union $175,000 $215,000 22.9% 0.1%
    CHERRY CREEK MORTGAGE, LLC $210,000 n/a 0.1%
    DAS Acquisition Company, LLC $210,000 n/a 0.1%
    EASTMAN $175,000 $210,000 20.0% 0.1%
    CITIZENS EQUITY FIRST $205,000 n/a 0.1%
    DEEPHAVEN MORTGAGE LLC $205,000 n/a 0.1%
    Guardian Credit Union $205,000 n/a 0.1%
    Fifth Third Bank $220,000 $200,000 -9.1% 0.1%
    Mortgage Assurance Inc. $305,000 $195,000 -36.1% 0.1%
    Synovus Bank $650,000 $195,000 -70.0% 0.1%
    Metro City Bank $185,000 n/a 0.0%
    Paramount Residential Mortgage Group, Inc. $375,000 $185,000 -50.7% 0.0%
    S1L, Inc. $185,000 n/a 0.0%
    LIBERTY HOME MORTGAGE CORPORATION $195,000 $175,000 -10.3% 0.0%
    MLD MORTGAGE INC. $175,000 n/a 0.0%
    The Federal Savings Bank $590,000 $175,000 -70.3% 0.0%
    APCO EMPLOYEES $490,000 $165,000 -66.3% 0.0%
    CLEARPATH LENDING $720,000 $165,000 -77.1% 0.0%
    DHI MORTGAGE COMPANY, LTD. $165,000 n/a 0.0%
    HOMESTEAD FUNDING CORP. $165,000 n/a 0.0%
    Plains Commerce Bank $75,000 $165,000 120.0% 0.0%
    SECURITYNATIONAL MORTGAGE COMPANY $260,000 $165,000 -36.5% 0.0%
    ACOPIA, LLC $425,000 $155,000 -63.5% 0.0%
    Equity Prime Mortgage LLC $155,000 n/a 0.0%
    LONGBRIDGE FINANCIAL, LLC $135,000 $155,000 14.8% 0.0%
    Republic Bank & Trust Company $155,000 n/a 0.0%
    UNITED PREMIER FUNDING, LLC $155,000 n/a 0.0%
    ALLIANT CREDIT UNION $145,000 n/a 0.0%
    ATLANTIC BAY MORTGAGE GROUP, L.L.C. $145,000 n/a 0.0%
    HOMESPIRE MORTGAGE CORPORATION $145,000 n/a 0.0%
    OCEANSIDE MORTGAGE COMPANY $95,000 $145,000 52.6% 0.0%
    UNION HOME MORTGAGE CORP. $205,000 $145,000 -29.3% 0.0%
    BANKSOUTH MORTGAGE COMPANY, LLC $65,000 $125,000 92.3% 0.0%
    Citizens Bank & Trust $125,000 n/a 0.0%
    Community Bank of Mississippi $125,000 n/a 0.0%
    Cornerstone First Mortgage, Inc $125,000 n/a 0.0%
    ANDREWS FEDERAL CREDIT UNION $115,000 n/a 0.0%
    ANGEL OAK HOME LOANS LLC $115,000 n/a 0.0%
    BETTER MORTGAGE CORPORATION $1,115,000 $115,000 -89.7% 0.0%
    Liberty Mortgage Corporation $330,000 $115,000 -65.2% 0.0%
    TEMPLE VIEW CAPITAL FUNDING, LP $540,000 $115,000 -78.7% 0.0%
    First National Bank of Omaha $105,000 n/a 0.0%
    M&T Bank $220,000 $105,000 -52.3% 0.0%
    Blue Ridge Bank $685,000 $95,000 -86.1% 0.0%
    CALCON MUTUAL MORTGAGE LLC $95,000 n/a 0.0%
    FINANCE OF AMERICA MORTGAGE LLC $185,000 $75,000 -59.5% 0.0%
    MIDWEST LOAN SOLUTIONS, INC. $75,000 n/a 0.0%
    EvaBank $120,000 $70,000 -41.7% 0.0%
    AMERICAN ADVISORS GROUP $140,000 $65,000 -53.6% 0.0%
    CREDIT UNION FINANCIAL SERVICES, LLC $65,000 n/a 0.0%
    DELTA COMMUNITY CREDIT UNION $25,000 $65,000 160.0% 0.0%
    AUBURN UNIVERSITY CREDIT UNION $55,000 n/a 0.0%
    AVADIAN $135,000 $55,000 -59.3% 0.0%
    First National Bank of America $45,000 n/a 0.0%
    GTE Federal Credit Union $45,000 n/a 0.0%
    TOWER $45,000 n/a 0.0%
    SPRING EQ, LLC $35,000 n/a 0.0%
    First Volunteer Bank $25,000 n/a 0.0%

    ANNISTON - OXFORD's top lender by overall market share is FAIRWAY INDEPENDENT MORTGAGE CORPORATION, with 10.2% market share. In second place, with 7.5%, is QUICKEN LOANS, LLC, having originated $28,865,000 in loans. In third place, with 5.8%, is Ameris Bank, having originated $22,470,000 in loans. In fourth place, with 4.0%, is SouthPoint Bank, having originated $15,245,000 in loans. In fifth place, with 3.9%, is UNITED WHOLESALE MORTGAGE, LLC, having originated $14,975,000 in loans.

    ANNISTON - OXFORD Housing Market Trends (Median, Average Prices & Listing Count)

    Realtor.com - ANNISTON - OXFORD (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
    2018-01-01 $119,900 (9.1%) $152,178 (7.0%) 0.00 482
    2018-02-01 $118,250 (0.7%) $148,230 (0.2%) 0.00 504
    2018-03-01 $119,250 (-0.5%) $150,358 (-1.6%) 0.00 491
    2018-04-01 $119,925 (-0.5%) $155,667 (1.6%) 0.00 477
    2018-05-01 $121,450 (1.3%) $159,421 (5.2%) 0.00 465
    2018-06-01 $124,900 (4.1%) $159,461 (4.3%) 0.00 476
    2018-07-01 $125,975 (0.9%) $157,995 (2.0%) 0.00 489
    2018-08-01 $124,900 (0.0%) $153,433 (-1.8%) 0.00 509
    2018-09-01 $124,900 (5.0%) $152,804 (0.8%) 0.00 495
    2018-10-01 $124,900 (8.0%) $158,790 (4.5%) 0.00 480
    2018-11-01 $125,000 (5.0%) $164,160 (8.6%) 0.00 461
    2018-12-01 $125,000 (4.2%) $166,912 (8.9%) 0.00 449
    2019-01-01 $119,800 (-0.1%) $162,130 (6.5%) 0.00 436
    2019-02-01 $119,900 (1.4%) $163,701 (10.4%) 0.00 406
    2019-03-01 $123,157 (3.3%) $169,572 (12.8%) 0.00 381
    2019-04-01 $128,600 (7.2%) $174,755 (12.3%) 0.00 368
    2019-05-01 $133,450 (9.9%) $180,892 (13.5%) 0.00 375
    2019-06-01 $134,950 (8.1%) $182,977 (14.8%) 0.00 371
    2019-07-01 $144,175 (14.5%) $189,655 (20.0%) 0.00 375
    2019-08-01 $142,236 (13.9%) $186,704 (21.7%) 0.00 389
    2019-09-01 $138,166 (10.6%) $182,200 (19.2%) 0.00 399
    2019-10-01 $135,600 (8.6%) $179,873 (13.3%) 0.00 406
    2019-11-01 $135,000 (8.0%) $182,414 (11.1%) 0.00 388
    2019-12-01 $139,350 (11.5%) $182,883 (9.6%) 0.00 379
    2020-01-01 $139,200 (16.2%) $182,834 (12.8%) 0.00 379
    2020-02-01 $139,900 (16.7%) $183,249 (11.9%) 0.00 388
    2020-03-01 $139,950 (13.6%) $185,265 (9.3%) 0.00 357
    2020-04-01 $139,900 (8.8%) $181,491 (3.9%) 0.00 359
    2020-05-01 $139,900 (4.8%) $179,619 (-0.7%) 0.00 347
    2020-06-01 $139,925 (3.7%) $186,217 (1.8%) 0.00 317
    2020-07-01 $141,225 (-2.1%) $185,153 (-2.4%) 0.00 321
    2020-08-01 $150,200 (5.6%) $189,844 (1.7%) 0.00 274
    2020-09-01 $153,675 (11.2%) $195,376 (7.2%) 0.00 233
    2020-10-01 $154,900 (14.2%) $197,226 (9.7%) 0.00 222
    2020-11-01 $159,900 (18.4%) $198,266 (8.7%) 0.00 199
    2020-12-01 $150,150 (7.8%) $185,026 (1.2%) 0.00 199
    2021-01-01 $149,900 (7.7%) $188,349 (3.0%) 0.00 184
    2021-02-01 $153,900 (10.0%) $181,095 (-1.2%) 0.00 172
    2021-03-01 $154,900 (10.7%) $184,205 (-0.6%) 0.00 149
    2021-04-01 $167,450 (19.7%) $211,619 (16.6%) 0.00 131
    2021-05-01 $164,950 (17.9%) $208,164 (15.9%) 0.00 131
    2021-06-01 $164,950 (17.9%) $203,238 (9.1%) 0.00 140
    2021-07-01 $179,900 (27.4%) $215,237 (16.3%) 0.00 155
    2021-08-01 $178,400 (18.8%) $223,495 (17.7%) 0.00 163
    2021-09-01 $187,425 (22.0%) $235,132 (20.4%) 0.00 167
    2021-10-01 $184,450 (19.1%) $240,335 (21.9%) 0.00 159
    2021-11-01 $189,900 (18.8%) $242,441 (22.3%) 0.00 166
    2021-12-01 $175,000 (16.6%) $246,477 (33.2%) 0.00 158
    2022-01-01 $167,500 (11.7%) $235,916 (25.3%) 0.00 154
    2022-02-01 $159,900 (3.9%) $210,857 (16.4%) 0.00 156
    2022-03-01 $146,175 (-5.6%) $204,752 (11.2%) 0.00 146
    2022-04-01 $153,500 (-8.3%) $201,257 (-4.9%) 0.00 153
    2022-05-01 $164,950 (0.0%) $212,315 (2.0%) 0.00 170
    2022-06-01 $178,450 (8.2%) $215,451 (6.0%) 0.00 190
    2022-07-01 $175,000 (-2.7%) $203,109 (-5.6%) 0.00 220
    2022-08-01 $182,650 (2.4%) $214,199 (-4.2%) 0.00 230
    2022-09-01 $185,575 (-1.0%) $221,363 (-5.9%) 0.00 231
    2022-10-01 $185,900 (0.8%) $238,103 (-0.9%) 0.00 233
    2022-11-01 $187,050 (-1.5%) $243,385 (0.4%) 0.00 243
    2022-12-01 $179,000 (2.3%) $238,517 (-3.2%) 0.00 231
    2023-01-01 $182,999 (9.3%) $242,261 (2.7%) 0.00 208
    2023-02-01 $173,775 (8.7%) $241,285 (14.4%) 0.00 197
    ANNISTON - OXFORD's median listing price for 2023-02-01 was $173,775, a difference of $13,875 (8.7%) versus the prior year and $-9,224 versus the prior month.

    ANNISTON - OXFORD's median listing price comes in at 0% of the national average.

    ANNISTON - OXFORD's average listing price for 2023-02-01 was $241,285, a difference of $30,428 (14.4%) versus the prior year and $-976 versus the prior month.

    For the 2023-02-01 period, ANNISTON - OXFORD had 197 MLS listings, a difference of -11 listings (-5%) versus the prior month and 41 listings (26%) versus the prior year.

    Median Listing Time on Market & Square Footage

    Realtor.com - ANNISTON - OXFORD (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
    Date Median Listing Time on Market Median Square Footage
    2018-01-01 0 days 1,701 sqft
    2018-02-01 0 days 1,653 sqft
    2018-03-01 0 days 1,653 sqft
    2018-04-01 0 days 1,667 sqft
    2018-05-01 0 days 1,660 sqft
    2018-06-01 0 days 1,658 sqft
    2018-07-01 0 days 1,662 sqft
    2018-08-01 0 days 1,662 sqft
    2018-09-01 0 days 1,648 sqft
    2018-10-01 0 days 1,642 sqft
    2018-11-01 0 days 1,663 sqft
    2018-12-01 0 days 1,653 sqft
    2019-01-01 0 days 1,626 sqft
    2019-02-01 0 days 1,642 sqft
    2019-03-01 0 days 1,656 sqft
    2019-04-01 0 days 1,649 sqft
    2019-05-01 0 days 1,662 sqft
    2019-06-01 0 days 1,706 sqft
    2019-07-01 0 days 1,737 sqft
    2019-08-01 0 days 1,739 sqft
    2019-09-01 0 days 1,748 sqft
    2019-10-01 0 days 1,746 sqft
    2019-11-01 0 days 1,741 sqft
    2019-12-01 0 days 1,754 sqft
    2020-01-01 0 days 1,772 sqft
    2020-02-01 0 days 1,825 sqft
    2020-03-01 0 days 1,852 sqft
    2020-04-01 0 days 1,842 sqft
    2020-05-01 0 days 1,830 sqft
    2020-06-01 0 days 1,843 sqft
    2020-07-01 0 days 1,849 sqft
    2020-08-01 0 days 1,845 sqft
    2020-09-01 0 days 1,831 sqft
    2020-10-01 0 days 1,823 sqft
    2020-11-01 0 days 1,806 sqft
    2020-12-01 0 days 1,770 sqft
    2021-01-01 0 days 1,771 sqft
    2021-02-01 0 days 1,765 sqft
    2021-03-01 0 days 1,755 sqft
    2021-04-01 0 days 1,845 sqft
    2021-05-01 0 days 1,830 sqft
    2021-06-01 0 days 1,890 sqft
    2021-07-01 0 days 1,889 sqft
    2021-08-01 0 days 1,846 sqft
    2021-09-01 0 days 1,903 sqft
    2021-10-01 0 days 1,891 sqft
    2021-11-01 0 days 1,971 sqft
    2021-12-01 0 days 1,953 sqft
    2022-01-01 0 days 1,792 sqft
    2022-02-01 0 days 1,592 sqft
    2022-03-01 0 days 1,615 sqft
    2022-04-01 0 days 1,614 sqft
    2022-05-01 0 days 1,717 sqft
    2022-06-01 0 days 1,746 sqft
    2022-07-01 0 days 1,775 sqft
    2022-08-01 0 days 1,795 sqft
    2022-09-01 0 days 1,793 sqft
    2022-10-01 0 days 1,851 sqft
    2022-11-01 0 days 1,842 sqft
    2022-12-01 0 days 1,812 sqft
    2023-01-01 0 days 1,771 sqft
    2023-02-01 0 days 1,757 sqft
    ANNISTON - OXFORD's median listing age (time on market) for 2023-02-01 was 0 days.

    ANNISTON - OXFORD's median square footage for active listings during the 2023-02-01 period was 1,757 sqft. One year prior, the average listing was 1,592 sqft.

    ANNISTON-OXFORD, AL Average Rent (2023)

    Zoom/scroll map to see average rent by zip code. Subscribers can configure state/metro/county granularity, assorted fields and quantity of results.

    For additional perspective within a market, below is information regarding the average rents (as defined by HUD) for zip codes within the metro area. Descriptive statistics (average, median) are shown below the table.
    Zip Code Metro Studio Apartment Rent 1BR Apartment Rent 2BR Apartment Rent 3BR Apartment Rent 4BR Apartment Rent
    35096 Anniston-Oxford-Jacksonville, AL $690 $690 $910 $1,210 $1,360
    35905 Anniston-Oxford-Jacksonville, AL $540 $570 $710 $890 $990
    36201 Anniston-Oxford-Jacksonville, AL $530 $540 $710 $940 $1,050
    36202 Anniston-Oxford-Jacksonville, AL $560 $560 $740 $980 $1,110
    36203 Anniston-Oxford-Jacksonville, AL $680 $680 $900 $1,190 $1,340
    36204 Anniston-Oxford-Jacksonville, AL $560 $560 $740 $980 $1,110
    36205 Anniston-Oxford-Jacksonville, AL $540 $540 $710 $940 $1,060
    36206 Anniston-Oxford-Jacksonville, AL $540 $540 $710 $940 $1,060
    36207 Anniston-Oxford-Jacksonville, AL $620 $620 $820 $1,090 $1,220
    36250 Anniston-Oxford-Jacksonville, AL $680 $680 $900 $1,190 $1,340
    36257 Anniston-Oxford-Jacksonville, AL $560 $560 $740 $980 $1,110
    36260 Anniston-Oxford-Jacksonville, AL $530 $540 $710 $940 $1,050
    36265 Anniston-Oxford-Jacksonville, AL $530 $540 $710 $940 $1,050
    36271 Anniston-Oxford-Jacksonville, AL $550 $550 $730 $970 $1,090
    36272 Anniston-Oxford-Jacksonville, AL $530 $540 $710 $930 $1,040
    36277 Anniston-Oxford-Jacksonville, AL $660 $670 $880 $1,170 $1,310
    36279 Anniston-Oxford-Jacksonville, AL $550 $570 $740 $960 $1,060

    2022 Average & Median Rent Data Statistics
    ANNISTON-OXFORD, AL average 1BR rent: $585, median: $560
    ANNISTON-OXFORD, AL average 2BR rent: $769, median: $740
    ANNISTON-OXFORD, AL average 3BR rent: $1,014, median: $970

    ANNISTON-OXFORD, AL Market Loan Reason

    Loan Purpose Originations Total Value Average Loan
    Home Purchase 1,393 $238,115,000 $170,937
    Cash Out Refi 484 $75,330,000 $155,640
    Refi 299 $58,835,000 $196,773
    Other 102 $7,840,000 $76,863
    Home Improvement 97 $5,645,000 $58,196
    NA 1 $75,000 $75,000

    Anniston - Oxford's most frequently cited loan purpose was Home Purchase, with 1,393 originations. The 2nd most popular reason was Cash Out Refi, with 484 originations.

    Interest Rate Frequencies

    Loan Rate Originations Total Value Average Loan
    5-6% 573 $97,825,000 $170,724
    4-5% 523 $92,245,000 $176,377
    3-4% 453 $79,745,000 $176,038
    6-7% 257 $36,755,000 $143,016
    2.5-3% 150 $26,170,000 $174,467
    7-8% 80 $10,150,000 $126,875
    Over 8% 75 $4,555,000 $60,733
    <2.5% 39 $6,255,000 $160,385

    During 2022, Anniston - Oxford's most frequently originated rate bucket was 5-6%, with 573 originations.

    Loan Sizing (ANNISTON-OXFORD, AL MSA)

    Loan Size Originations Total Value Average Loan
    $100k-200k 1,131 $165,075,000 $145,955
    $100,000 or less 691 $41,255,000 $59,703
    $200k-400k 486 $126,940,000 $261,193
    $400k-600k 52 $24,070,000 $462,885
    $600k-1000k 9 $5,895,000 $655,000
    $Over $1MM 7 $22,605,000 $3,229,286

    ANNISTON - OXFORD's loan sizing saw the bucket of loans from $100k-200k with 1,131 originations, totaling $165,075,000 in origination value.

    LTV Distribution

    Loan to Value Originations Total Value Average Loan
    80-100% 1,131 $202,705,000 $179,226
    60-80% 512 $101,970,000 $199,160
    40-60% 216 $26,350,000 $121,991
    20-40% 129 $8,705,000 $67,481
    Under 20% 112 $3,560,000 $31,786
    Over 100% 39 $8,985,000 $230,385

    ANNISTON - OXFORD's loan sizing saw loans grouped in the 80-100% Loan-to-value bucket with 1,131 originations, totaling $202,705,000 in origination value.